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LIMAT Disclosures

In accordance with the Office of the Superintendent of Financial Institutions (OSFI), our LIMAT Ratios for the previous years can be viewed below. Branches are required, at minimum, to maintain a Total Ratio of 90%. OSFI has established supervisory target level of 100% for Total margin. Definition of terms can be found in Guideline A at LICAT – Life Insurance Capital Adequacy Test.


Our Values

    We comply with all applicable laws, regulations and company policies-in our words and in our deeds. Honesty, character and ethical behavior guide us to do the right thing.
    We are committed to our clients. We strive to understand their risks, we make promises, and we keep them.
    We value our employees, partners and communities. We are dedicated to fair treatment, diversity, trust and mutual respect.
    We recognize and reward excellence in the workplace. Performing at the highest level requires us to think and act like owners.
    We believe an environment of open communication and collaboration produces results. We encourage full participation, different perspectives, constructive criticism and a sense of pride in who we are and what we do.

"Do the right thing because it’s the right thing to do."